PENYELESAIAN EKSEKUSI BENDA JAMINAN PADA PEMBIAYAAN MURABAHAH BANK UMUM SYARIAH
Abstract
Abstrak
Salah satu pembiayaan yang cukup berkembang pada bank umum syariah adalah pembiayaan murabahah dalam pengikatan jaminannya sering menggunakan fidusia, karena pembebanannya dianggap sederhana, mudah dan relatif cepat. Penulisan artikel ini bertujuan untuk mengelaborasi bagaimana penyelesaian eksekusi benda jaminan pada pembiayaan murabahah di Bank Umum Syariah. Fokus utama artikel ini adalah deskripsi mengenai berbagai pilihan solusi dalam penyelesaian sengketa berupa eksekusi benda jaminan pada pembiayaan murabahah. Data penelitian dikumpulkan dengan menggunakan teknik studi kepustakaan untuk kemudian di analisis dengan menghasilkan kesimpulan yang desktiptif. Penelitian ini mendapati kesimpulan bahwa strategi penyelesaian benda jaminan murabahah dapat dilakukan melalui dua cara yaitu melalui proses litigasi dan non litigasi. Terhadap kedua jalur tersebut tentu memiliki karakteristik tersendiri sesuai dengan sifat penyelesaiannya.
Kata Kunci: Eksekusi, Jaminan, Murabahah, Bank Umum Syariah.
Abstract
One type of financing that is quite developed in sharia commercial banks is murabahah financing which often uses fiduciary collateral, because the assignment is considered simple, easy and relatively fast. The aim of writing this article is to elaborate on how to complete the execution of collateral objects in murabahah financing at Sharia Commercial Banks. The main focus of this article is a description of various solution options in resolving disputes in the form of executing collateral objects in murabahah financing. Research data was collected using library study techniques and then analyzed to produce descriptive conclusions. This research concluded that the settlement strategy for murabahah collateral objects can be carried out in two ways, namely through litigation and non-litigation processes. These two routes certainly have their own characteristics according to the nature of the solution.
Keywords: Execution, Guarantee, Murabahah, Sharia Commercial Bank.
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